Applications / Mortgage Analytics / Lenders / Massachusetts / Winchester Co-Operative Bank
Winchester, MA · Savings institution · FDIC · $907 million assets · 164 loans in 2025
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164
loans originated, 2025
210
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Winchester Co-Operative Bank makes big loans: its typical mortgage, $590,000, is larger than at nearly all similar lenders, and a quarter of its loans are jumbo.
Its typical loan of $590,000 compares with $235,000 at similar lenders, meaning savings institutions making between half and twice as many loans. Some 25.2% of its loans were jumbo, meaning larger than the conforming limit, against 2.5% at its peers, a higher share than at nearly all of them. The jumbo share fell from 38.3% in 2024. Yet its share of loans to low- and moderate-income borrowers, 24.8%, matches its peers' 24.9%.
Its loans rose 12% to 164, against 5% at similar lenders and 10% in the whole market, higher growth than about three in five of its peers. Home purchases made up 67.1% of its loans and refinances 23.8%. Every loan was conventional.
Founded in 1893, it has reported since 1992. In the Boston-Cambridge-Newton market it ranks 94 of 664 lenders; Citizens Bank leads. Its share of Barnstable Town rose from 0.0% to 0.2%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Winchester Co-Operative Bank took 210 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 67.1% · Refinance 23.8% · Home improvement 7.3% · Other 1.8%
Conventional 100.0% · of 164 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Massachusetts | 152 | 92.7% |
| New Hampshire | 12 | 7.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cambridge-Newton-Framingham | 123 |
| Boston | 17 |
| Barnstable Town | 8 |
| Rockingham County-Strafford County | 4 |
| Worcester | 4 |
| Manchester-Nashua | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300E4I5AJ7XJ4DL31 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 268976 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 327238 | 1992–2017 |
Established 1 January 1893. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Winchester Co-Operative Bank's data.
Winchester Co-Operative Bank's data
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Winchester Co-Operative Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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